We are in the midst of a historically long period of growth in the US stock market. Yet the euphoria for many Colorado investors is tempered by questions about our country’s future. If you have followed classic advice about diversified investments, it’s likely that you own shares in companies behind initiatives not aligned with your […]
Articles on retirement
If you wait until your 60s to retire, accessing your retirement savings is a straightforward proposition. You can tap your Traditional IRA, Roth IRA, taxable investment accounts, and most work retirement plans without penalty. But what if you need funds sooner than that? First, I should say we won’t consider whether you should access retirement […]
It’s a dilemma that most parents face at some point in their lives. There is a trade off between paying for your children’s college education and your financial independence. Unless your resources exceed your ability to spend, this is a truism. Yet it’s one that can be unpleasant to discuss as it could involve your […]
There are many milestones that signal you’re close to retirement. It could be that you’ve put your kids through college and its painful tuition bills. You’re attending an increasing number of work parties celebrating many years of loyal service. You or a loved one may have suffered a health scare or setback reminding you that […]
When clients come in for their initial financial review, we often see retirement plan statements from four or more investment companies. They might have a Fidelity 401(k) from a job they left years ago, a Prudential 403(b) from last year, and a TIAA-CREF retirement plan with their current employer. Some clients have gone so far […]
When Congress voted to raise the debt ceiling two weeks ago, there was widespread relief that we would be spared a government shutdown. While largely lauded, this legislation did include obscure provisions that impact Medicare and Social Security. For some boomers these changes could cut Social Security benefits by over $50,000 over four years. Let’s […]
While Colorado has long been a beacon for the young, we have seen growth as a retirement hotspot including recognition as number two on Bankrate’s 2015 Best States to Retire list.
Do you have enough to retire? In our practice this question outpaces all others by a longshot.
Let us examine two key issues: the right time to take Social Security and the impact of a pension on benefits.
You’ve been saving for this day for thirty years, but you have to wonder how the mechanics of getting paid are actually going to work.
Business owners can design a retirement plan that can save them thousands a year. Here are the most common small business retirement plans to consider.